9月28日，记者从广州住房公积金管理中心了解到，广州推出住房公积金新政，围绕"住有所居、住有宜 居"的目标，推出两大惠民举措，支持缴存人多样化住房消费需求，减轻购房资金压力，推动老旧小区 改造，助力建设宜居广州。 首付款提取范围扩大，购房减负更轻松。继去年出台预售商品房可提首付款后，现在缴存人及其配偶购 买广州行政区域内现售商品住房、存量商品住房、配售型保障性住房或者共有产权住房，可申请提取住 房公积金用于支付购房首付款。 电梯更新改造可提取，居住升级更舒心。缴存人及其配偶在广州行政区域内为其拥有所有权的住宅实施 老旧电梯更新改造，可申请提取住房公积金用于支付家庭分摊费用。 该新政自2025年9月28日起实施。 (责任编辑：张紫祎) ...

Core Viewpoint - Yulin City has introduced several supportive policies to enhance the inclusiveness and attractiveness of the housing provident fund system, particularly targeting flexible employment groups [1][2] Group 1: Policy Initiatives - Yulin City has launched the "Management Measures for Housing Provident Fund Contribution and Use for Flexible Employment Personnel" and the "Ten Beneficial Measures for Housing Provident Fund" [1] - The new policies aim to upgrade the housing provident fund service system by focusing on the needs of flexible employment groups [1] Group 2: Contribution and Subsidy Structure - The policies establish a framework consisting of "contribution support, subsidy incentives, loan increase, and withdrawal optimization" [1] - Flexible employment personnel can voluntarily contribute based on their circumstances, with contribution rates set between 10% and 24% [1] - An interest subsidy will be provided for contributions made after June 1, 2025, with an additional 0.6% annual interest rate for those who have contributed for 12 months without using loans or withdrawals [1] Group 3: Loan Policy Optimization - The calculation method for loan amounts has been adjusted to reflect longer contribution periods and higher contribution amounts [1] - The policies support flexible employment personnel in obtaining secondary housing provident fund loans and various loan combinations [1] Group 4: Rights Protection and Future Plans - Flexible employment personnel can change their employment status and continue their rights based on the new policies [2] - A new subsidy for recent university graduates has been established, and the housing provident fund withdrawal policy has been optimized [2] - Yulin City aims to simplify service processes through digital empowerment and hopes to create a replicable model known as the "Yulin Experience" for broader sharing of housing provident fund benefits [2]

近期，各地持续优化调整住房公积金政策。据不完全统计，今年以来已有深圳、西安等约30 城支持提取公积金支付首付款。 6月24日，广东省发布的《广东省促进经济持续向好服务做强国内大循环工作方案》要求，落 实异地公积金贷款、异地购房提取公积金政策，合理提高公积金贷款额度，支持缴存人在提 取住房公积金支付购房首付款的同时申请住房公积金个人住房贷款。 免责声明 以上观点来自相关机构，不代表天天基金的观点，不对观点的准确性和完整性做任何保证。 收益率数据仅供参考，过往业绩和走势风格不预示未来表现，不构成投资建议。转引的相关 点击阅读原文，填写问卷领红包 分享、点赞、在看 顺手三连越来越有钱 广州是一线城市中首个允许购买新房时提取公积金支付首付的城市。2024年8月1日，广州住 房公积金管理中心、广州市住房和城乡建设局发布的《关于支持提取住房公积金支付购房首 付款的通知》表示，即日起，在广州购买新建商品住房的住房公积金缴存人，可申请提取本 人及其配偶名下住房公积金支付购房首付款。 6月24日，济南住房公积金中心发布关于支持缴存人购买保障性住房的通知。住房公积金缴存 人购买保障性住房的，可提取个人账户住房公积金支付购房首付款 ...

Core Viewpoint - The new policies implemented by Enshi Prefecture aim to enhance the housing provident fund system, expanding its coverage and improving services to meet diverse housing needs, thereby injecting new momentum into housing welfare projects [1] Group 1: System Expansion - The new policies extend the coverage of the housing provident fund to grassroots levels, including non-public enterprises, community leaders, and flexible employment groups, ensuring comprehensive housing security [2] Group 2: Rental and Purchase Support - The new policies significantly increase the rental withdrawal limit for single employees to 18,000 yuan per year and for families with multiple children to 30,000 yuan, allowing for monthly flexible withdrawals and direct payment of rent [3] Group 3: Policy Relaxation - The new policies relax conditions for fund usage, allowing joint homebuyers beyond immediate relatives and extending the loan age limit to 68 for men and 63 for women, with an increased income-to-repayment ratio of 60% [4] Group 4: Innovation and Quality of Living - The new policies include the use of provident funds for purchasing "commercial-to-residential" properties and support for elderly and child-friendly renovations, with a maximum loan amount of 300,000 yuan for such projects [5] Group 5: Regional Collaboration - The new policies enhance cooperation with the Wuhan metropolitan area, allowing local employees to enjoy the highest loan limits when purchasing homes in that region, while eliminating residency restrictions for cross-regional homebuyers [6] Group 6: Service Improvement - The new policies aim to upgrade services by enhancing bank collaboration, creating flagship provident fund service centers, and increasing loan limits for individuals and specific groups such as veterans and PhD holders [7]

Group 1: Housing Fund Policy Developments - Six cities including Shenzhen and Zhuhai signed a cooperation agreement to promote the "same city" experience for housing provident fund services, aiming to support mobile employment groups and families purchasing homes in different locations [1] - The agreement focuses on four aspects: providing seamless services for housing provident fund, mutual recognition of loans, facilitating information checks, and establishing a risk prevention mechanism [1] Group 2: Qingdao Housing Fund Policy Update - Qingdao's new policy expands the scope for withdrawing housing provident fund for down payments to include second-hand homes and allows family members to withdraw funds for elevator installations [2] - The policy supports the use of housing provident fund for down payments on newly built homes, affordable housing, or re-transacted homes within Qingdao [2] Group 3: Real Estate Sales Performance - Vanke reported a sale of 22 million A-shares, raising 146 million yuan, with an average transaction price of 6.63 yuan per share [3] - Golden Land Group's signed sales amount for May was 3.12 billion yuan, a year-on-year decrease of 52.07%, with a signed area of 238,000 square meters, down 51.92% [4] - CIFI Holdings reported a contract sales amount of 1.68 billion yuan in May, with a contract sales area of approximately 163,600 square meters and an average contract sales price of 11,000 yuan per square meter [5]

Core Insights - The six cities in Guangdong, including Shenzhen, have signed a cooperation agreement to promote the "same-city" experience for housing provident fund services, enhancing support for mobile workers and families purchasing homes in different locations [1][2] Group 1: Policy Collaboration - The cooperation will focus on policy collaboration, service integration, and data sharing to facilitate housing consumption needs for mobile employment groups and families [1] - The cities aim to provide seamless housing provident fund services, including mutual recognition of deposit and loan information, reducing paperwork for residents [2] Group 2: Loan and Service Enhancements - The agreement includes provisions for mutual recognition of housing provident fund loans, allowing local employees to access the same loan limits and property counts as local contributors [2] - The cities will work together to streamline the process for handling housing provident fund transactions across different locations [2] Group 3: Digital Transformation and Risk Management - The cooperation will leverage digital transformation in government services to enhance information connectivity across cities and departments, creating a "smart provident fund" service [2] - A joint risk prevention mechanism will be established to combat fraudulent activities related to housing provident funds, improving overall management efficiency and fund security [2] Group 4: Recent Policy Adjustments - Recent adjustments to Shenzhen's housing provident fund policies have removed restrictions on non-local contributors regarding residency and first-home status, facilitating easier access to loans for home purchases [3] - The implementation of a new consumption promotion plan includes measures to expand the use of housing provident funds for down payments on homes within Shenzhen [3] Group 5: Market Context - The housing provident fund is favored by local governments due to its strong local attributes and low-interest rates, which cater to local housing demand [4] - In light of decreasing commercial mortgage rates, there is a suggestion to lower housing provident fund loan rates to maintain its attractiveness compared to commercial loans [4]

Core Viewpoint - The article discusses the collaboration among six cities in Guangdong to promote the "same city" experience for housing provident fund services, enhancing convenience for mobile workers and families purchasing homes in different cities [1][2]. Group 1: Collaboration and Policy Implementation - Six cities, including Shenzhen, Zhuhai, Shantou, Jiangmen, Chaozhou, and Jieyang, signed a cooperation agreement to enhance housing provident fund services through policy coordination, service collaboration, and data sharing [1]. - The initiative aims to facilitate the use of housing provident funds across cities, addressing the challenges faced by workers who commute between cities and easing their housing pressures [1][2]. - Shenzhen has already established collaborative mechanisms with ten cities in Guangdong, promoting information sharing and service integration [1]. Group 2: Service Enhancements - The cities will focus on four key areas to achieve seamless housing provident fund services: 1. Providing equal services for housing provident funds across cities, enhancing system connectivity and reducing paperwork [2]. 2. Allowing mutual recognition of housing loans for workers from different cities, ensuring they receive the same loan amounts and conditions as local contributors [2]. 3. Streamlining information checks for housing provident funds to simplify cross-city transactions [2]. 4. Establishing a joint risk prevention mechanism to combat fraudulent activities related to housing provident funds [2]. Group 3: Recent Policy Adjustments - In March, Shenzhen adjusted its housing provident fund loan policies to eliminate restrictions on non-local contributors regarding residency and first-time home purchases, allowing broader access to loans [3]. - The recent implementation plan includes measures to expand the use of housing provident funds for down payments on homes within Shenzhen [3]. - Over 380 cities have optimized their housing provident fund policies since the beginning of the year, focusing on reducing down payment ratios and increasing loan limits [3]. Group 4: Market Insights - Experts highlight that housing provident funds are favored by local governments due to their strong local attributes and low-interest rates, which cater to local housing needs [4]. - With commercial loan rates decreasing, adjusting housing provident fund loan rates may be necessary to maintain their attractiveness [4].

Core Viewpoint - Six cities in Guangdong province, including Shenzhen, Zhuhai, Shantou, Jiangmen, Chaozhou, and Jieyang, have signed a cooperation agreement to promote the collaborative development of housing provident fund management, enhancing housing consumption demand for mobile employment groups and families purchasing homes in different locations [1] Group 1: Policy Collaboration - The agreement focuses on policy collaboration, service coordination, and data sharing to support housing consumption needs [1] - The cities aim to accelerate the "same city" experience for housing provident fund services through four main initiatives [1] Group 2: Service Coordination - The first initiative is to promote non-discriminatory services for housing provident funds across different locations, facilitating system interconnectivity and mutual recognition of deposit and loan information, thereby reducing required documentation [1] - The second initiative involves mutual recognition and connectivity of housing provident fund loans, allowing local employees to purchase homes with loan limits and property counts consistent with local contributors [1] Group 3: Data Sharing and Risk Management - The third initiative focuses on facilitating the convenience of handling housing provident fund business across different locations through information sharing [1] - The fourth initiative aims to establish a risk prevention mechanism for housing provident funds to jointly prevent fraudulent withdrawals and loans, enhancing overall management efficiency and fund security [1]